Excite Credit Union Visa Travel Rewards Review

This is a rewards credit card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Travel Rewards is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%.
• 4% Balance transfer fee. Excite Credit Union Visa Travel Rewards charges a fee of 4% on balance transfers, if you transfer the balance within 25 days of opening the account. For example, a balance of $1,000 could cost $40 in transfer fees.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Does Excite Credit Union Visa Travel Rewards have a cash back or rewards program?

Excite Credit Union Visa Travel Rewards is a travel rewards card.

What are the Excite Credit Union Visa Travel Rewards benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Cell Phone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Excite Credit Union Visa Travel Rewards?

Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%. The card has a variable balance transfer APR that ranges from 11.90% up to 21.24%. It also has a variable cash advance APR that ranges from 11.90% up to 21.24%. Note that late payments are subject to an APR of 17.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Excite Credit Union Visa Travel Rewards?

The following fees apply:

Does Excite Credit Union Visa Travel Rewards report your account activity to credit bureaus?

Yes, Excite Credit Union Visa Travel Rewards reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Excite Credit Union Visa Travel Rewards

• Visit the Excite Credit Union Visa Travel Rewards website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.